PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

James River Bank/Colonial

Suffolk, VA · Cert 19726

FDIC

Q3 2001

$185.7MAssets
$125.9MLoans
$136.6MDeposits
$36.8MEquity
Loan mix
69%RE $53.3M31%C&I $24.0M0%Consumer $0.1MQ3 2000Q3 2001
Deposit mix
83%Interest-bearing $113.3M17%Noninterest $23.2MQ3 2000Q3 2001

NIM

7.51%Q1 ’017.45%Q2 ’012.10%Q3 ’01+2%-70%

Non-interest income vs. expense

3.41%Q1 ’013.40%Q2 ’011.03%Q3 ’01-2%-69%

Executive Summary

  • Earnings: ROA of 0.31%, down 88 bps year over year; NIM at 1.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 92.19% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.31%-88 bps YoY

Net Interest Margin (YTD, annualized)

1.24%

Efficiency Ratio (YTD, annualized)

71.04%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.19%1.18%0.97%1.05%0.31%-88 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.08%4.17%1.24%n/a
Efficiency Ration/an/a70.84%68.95%71.04%n/a
Non-Interest Burdenn/an/a2.68%2.64%0.82%n/a
Growth
Asset Growth (YoY)40.99%40.91%44.07%38.29%10.68%-3,032 bps
Loan Growth (YoY)40.72%44.20%48.19%40.06%-0.03%-4,075 bps
Deposit Growth (YoY)56.11%48.53%48.32%41.78%-4.12%-6,022 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.21%0.19%0.02%n/a
Allowance / Loansn/an/a1.27%1.30%1.35%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a15.61%16.29%17.60%n/a
Equity / Assetsn/an/a10.32%10.87%19.80%n/a
Liquidity & Funding
Loans / Deposits88.41%88.43%90.71%92.47%92.19%+377 bps
Liquid Assets / Assets0.00%0.00%2.99%1.15%13.14%+1,314 bps
CRE / Total Capitaln/an/an/an/an/an/an/a